A reputable housing counselor can neither guarantee to stop a foreclosure nor guarantee to modify a loan. Monroe Bank & Trust does not charge a review fee to determine if you qualify for a modification. A number of government refinance programs are available that may help you refinance your loan or determine if you qualify for a loan modification. If you are having trouble meeting your monthly mortgage payments, talk to us. Our loan experts will review your current mortgage situation and determine a plan that is best for you.